Getting a home loan isn’t always the easiest of tasks. It depends on a lot of factors, the most significant being the credit score of the person who has applied for it. That needs to be above 700 in order for the loan to be sanctioned. Since the tenure of the repayment of the loan is up to 20 years, lenders ensure that they lend money only to people with a good credit score so that the credit risk posed is very less.Hence, if one has a low or bad CIBIL score, there are a number of steps to be taken before applying for a home loan.